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Can you help me figure out the right insurance coverage for my Toyota RAV4?
"I'm trying to figure out my auto insurance coverage and I don't know which limits to choose.
Should I go with enough to cover my net worth or assets? How much would be enough to cover medical bills?"
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Broadly speaking, you should get however much insurance coverage you can afford. You always want to get the highest amount of insurance coverage possible.
Most experts recommend carrying at least $100,000/$300,000 in
bodily injury liability
. While you may not have that much in assets, these limits will reduce the amount you may need to pay out of pocket should you injure someone in an accident.Medical bills and expenses can add up very quickly. Once your coverage limits are exhausted, the other party’s insurance could pursue you to recover any additional costs.
To get an idea of what coverage you can afford, you should shop around and request
car insurance quotes online
. You can also reach out to an agent to discuss which coverage options you can afford.”View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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